Search found 722 matches

by Colorado13
Thu Jun 21, 2018 8:44 pm
Forum: Personal Consumer Issues
Topic: What will (or would) you tip when wages go up?
Replies: 53
Views: 3299

Re: What will (or would) you tip when wages go up?

WhiteMaxima wrote:
Thu Jun 21, 2018 6:03 pm
I like to cook at home. So I tipped myself a nice set of french copper cookware.
Best response yet! This made me laugh. :D
by Colorado13
Thu Jun 21, 2018 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Do you cancel old credit cards?
Replies: 47
Views: 4193

Re: Do you cancel old credit cards?

I recently cancelled a Chase card that I opened a year ago in order to earn the sign up bonus. The annual fee was waived for the first year and I don't want to pay the annual fee this year. So Chase offered to transfer the credit limit from the cancelled card to my Chase Freedom card, so my total cr...
by Colorado13
Mon Jun 18, 2018 9:21 pm
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 7546

Re: Which Supermarket are you?

I live in the opposite of a food desert, every chain grocery store that is in the Denver metro area has a location within a mile or two of my house. My commute to work takes me by 4-5 grocery stores plus SuperTarget. I also shop at the farmer's market. However, I primarily shop at 1. Kroger, 2. Targ...
by Colorado13
Sat Jun 16, 2018 8:10 pm
Forum: Personal Consumer Issues
Topic: Houston Safety
Replies: 13
Views: 1229

Re: Houston Safety

Colorado is horribly cold in the winter, which comes every year for some reason. The air is very thin. I’ve lived here since 1999 and the coldness and thinness of the air has only gotten worse. In short, don’t move here. Move to California instead. Much warmer and much thicker air (so thick you can...
by Colorado13
Wed May 30, 2018 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Do you have a monthly household budget?
Replies: 63
Views: 3940

Re: Do you have a monthly household budget?

I have non-negotiable goals for contributions to my retirement accounts (>30% of net income) and track monthly expenses in Excel. I don't set a monthly budget because I achieve my retirement account goals/pay my retirement accounts first. I am fairly frugal so this approach has worked well for me.
by Colorado13
Sun May 13, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: Subaru Crosstrek vs Outback
Replies: 32
Views: 2476

Re: Subaru Crosstrek vs Outback

I test drove the Crosstrek and found it to be under-powered, but don't recall which trim I tested. However, there are many, may Crosstrek owners in the Denver metro area, so it is a very popular vehicle, without a doubt. Consumer Reports gives it high ratings. I love the look of the Crosstrek moreso...
by Colorado13
Sun May 13, 2018 7:59 pm
Forum: Personal Consumer Issues
Topic: Hyundai Kona
Replies: 25
Views: 3243

Re: Hyundai Kona

Congrats! Keep us posted as you head into day 2, week 1, etc. I'm very interested in reading reviews of this vehicle. :-)
by Colorado13
Sun May 06, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 147
Views: 10783

Re: What non fiction book will you be reading in 2018?

I borrowed "Meet the Frugalwoods" from the library today.
by Colorado13
Mon Apr 30, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: Northern Hiking/Walking Vacation
Replies: 19
Views: 1404

Re: Northern Hiking/Walking Vacation

climber2020 wrote:
Mon Apr 30, 2018 1:23 pm
The Canadian rockies between Banff and Jasper have plenty of great day hikes.
I will cast another vote for the Canadian Rockies. Absolutely beautiful hikes.
by Colorado13
Mon Apr 30, 2018 9:21 am
Forum: Local Chapters and Bogleheads Community
Topic: metro Denver Bogleheads?
Replies: 30
Views: 4255

Re: metro Denver Bogleheads?

I'm interested too.
by Colorado13
Mon Apr 30, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: My first week of cycling in Slovenia and Croatia
Replies: 16
Views: 2687

Re: My first week of cycling in Slovenia and Croatia

Thanks for sharing your adventures! I always enjoy reading your updates.
by Colorado13
Thu Apr 26, 2018 6:08 pm
Forum: Personal Consumer Issues
Topic: Learning to drive a stick [car with manual transmission]
Replies: 126
Views: 6211

Re: Learning to drive stick

Or rent a beater for a weekend and just drive it around on and off, giving yourself time to adjust, perhaps after a lesson. I'd suggest *not* borrowing friends' cars to practice this, if you want to keep the friends! RM + 100 to not borrowing a friend's car! I learned at about age 15, but two hours...
by Colorado13
Sun Apr 22, 2018 6:50 pm
Forum: Personal Consumer Issues
Topic: Hyundai Kona
Replies: 25
Views: 3243

Re: Hyundai Kona

I went to the dealer today to take a look at the Kona. Since it's Sunday, I avoided having to talk to salespeople, but of course also did not have a chance to sit in the car/check it out. However, I liked what I saw, as the front seats appeared to be roomy. I liked the size of the vehicle and the ga...
by Colorado13
Sun Apr 22, 2018 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Resign from job or possible termination
Replies: 76
Views: 9541

Re: Resign from job or possible termination - Update

I'm really happy to hear that! I'm sure you'll do it without my saying - - - but work your tail off on the new job and keep learning and expanding your skill base. Congratulations and best wishes!!!!! :D :sharebeer Thank you so much! That's a great reminder of what I need to do next! I'm excited fo...
by Colorado13
Fri Apr 20, 2018 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Resign from job or possible termination
Replies: 76
Views: 9541

Re: Resign from job or possible termination - Update

Hello Bogleheads. Here's an update: I have received two job offers and am happy to report that one of the offers was a good offer, so I have given notice of resignation to my current employer. I will begin my new job in May. I am thrilled that I avoided termination and will continue to be fully empl...
by Colorado13
Sat Apr 07, 2018 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Effect of spending money on appearance in career
Replies: 91
Views: 8554

Re: Effect of spending money on appearance in career

Just a quick update. Not sure why it happened but I did get a more professional hair cut and wore suits since I posted this. Got my promotion effective the 1st. No one mentioned appearance as being a determining factor and I suspect it was a combination of feeling more confident that helped but fig...
by Colorado13
Fri Apr 06, 2018 6:09 pm
Forum: Personal Consumer Issues
Topic: How often do you replace your office shoes?
Replies: 58
Views: 3899

Re: How often do you replace your office shoes?

Quit wearing "office" shoes and dopey business attire 10+ years ago. Jeans and skate shoes FTW. Thank god millennials have helped to change how we must dress at mega-corp. I do have to wear long sleeves though because of sleeves of tattoos which can be a drag in the summer. I'm mid 30s and think th...
by Colorado13
Sun Apr 01, 2018 8:17 pm
Forum: Personal Consumer Issues
Topic: Towel Warmers - worthwhile luxury or useless?
Replies: 39
Views: 3234

Re: Towel Warmers - worthwhile luxury or useless?

I think these are a fabulous idea, but have only experienced them in Europe. My master bath does not have a heat vent in it, so that room is typically cold. I think a towel warmer and heated floors would be nice.
by Colorado13
Sun Apr 01, 2018 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Resign from job or possible termination
Replies: 76
Views: 9541

Re: Resign from job or possible termination

Financial independence is the best revenge. How quickly can you get there? Well, if I die young, I'm FI now. (My sense of humor is still intact...somewhat) I am many years away from Medicare, so healthcare/Cobra will be a major expense. I have minimal debt (I could pay off the mortgage tomorrow, bu...
by Colorado13
Sun Apr 01, 2018 3:11 am
Forum: Personal Finance (Not Investing)
Topic: Resign from job or possible termination
Replies: 76
Views: 9541

Re: Resign from job or possible termination

cherijoh wrote:
Fri Mar 30, 2018 8:04 pm

Do you know SAS or one of the BI tools like Tableau? How about SQL? Check out Coursera for some free/low cost data science classes on line.
I work with Tableau, although am not an expert, and do useSQL. Coursera is a great idea - thank you!
by Colorado13
Sat Mar 31, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Resign from job or possible termination
Replies: 76
Views: 9541

Re: Resign from job or possible termination

Thanks for the flex spending advice. Yesterday I spent my entire allocation for the year on new contacts and glasses. :-)
by Colorado13
Fri Mar 30, 2018 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Resign from job or possible termination
Replies: 76
Views: 9541

Re: Resign from job or possible termination

Ah, the "toxic work environment" that impacts your personal health. Been there, done that, visited the theme park and have the T-shirt to remind me every single solitary day of the experiences. My current gig is 100% this way and I've also lived it for roughly the past 10 or so years at multiple co...
by Colorado13
Fri Mar 30, 2018 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Resign from job or possible termination
Replies: 76
Views: 9541

Re: Resign from job or possible termination

Thanks to everyone for the wonderful advice and support. Some additional information/answers to questions: The job I received an offer for was a Federal Gov't job with a very wide salary range and I was offered at the very low end of the range, which was about $50K lower than the upper end of the sa...
by Colorado13
Fri Mar 30, 2018 5:34 am
Forum: Personal Finance (Not Investing)
Topic: Resign from job or possible termination
Replies: 76
Views: 9541

Resign from job or possible termination

UPDATE: I am happy to report that I recently accepted a job offer for a job I am very interested in and plan to leave my current employer on the best terms possible. I learned long ago to not burn bridges, so that's my plan. Thanks VERY much to everyone who offered advice and support - I appreciate ...
by Colorado13
Sat Mar 24, 2018 9:11 pm
Forum: Personal Consumer Issues
Topic: Hyundai Kona
Replies: 25
Views: 3243

Re: Hyundai Kona

I'm also interested in other's feedback after a test drive. I plan to test drive one after they become available.
by Colorado13
Sun Mar 11, 2018 7:42 pm
Forum: Personal Consumer Issues
Topic: DW lost wedding ring -- file police report?
Replies: 28
Views: 2584

Re: DW lost wedding ring -- file police report?

This is probably a long shot...but my gym has cameras outside the doors to the locker rooms. If your DW knows the time of the loss, maybe she could ask the gym management to look at the video to see who left the locker room around that time? This could be of help to the police or a waste or time, I'...
by Colorado13
Sun Feb 04, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: Is LinkedIn premium worth it?
Replies: 18
Views: 2091

Re: Is LinkedIn premium worth it?

Thanks for the feedback so far. I'm going to postpone activating LinkedIn premium for now and continue my job search for other avenues.
by Colorado13
Sat Feb 03, 2018 9:23 am
Forum: Personal Consumer Issues
Topic: Is LinkedIn premium worth it?
Replies: 18
Views: 2091

Is LinkedIn premium worth it?

I have a LinkedIn profile and occasionally (but not frequently) receive solicitations from head hunters. I'm seeking a new job and wondering if Bogleheads recommend LinkedIn premium for job leads? Is it worth the cost? Does it *really* provide value to job seekers beyond the non-premium version?
by Colorado13
Thu Jan 11, 2018 9:26 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 43235

Re: What frugal thing did you do today?

I used a 30% off coupon at Kohls and bought slippers for $3.08. Then I came home, put the slippers on, and turned the thermostat down.
by Colorado13
Tue Jan 02, 2018 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed messed up my mortgage payment - again
Replies: 8
Views: 1227

Re: PenFed messed up my mortgage payment - again

Thank you for all of your feedback. I put more than 20% down and called PenFed today and they said they would adjust the escrow in March (sigh.) At that time, I will switch to self pay rather than having taxes as part of my mortgage payment.
by Colorado13
Mon Jan 01, 2018 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed messed up my mortgage payment - again
Replies: 8
Views: 1227

PenFed messed up my mortgage payment - again

So, I paid two years of property tax to Penfed this year: one year was withdrawn via escrow as part of my monthly payment and one year was paid in December to the county. I provided Penfed with proof of the December payment in mid-December and was assured they would honor my request to adjust my pay...
by Colorado13
Mon Jan 01, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: So, how was the year ? Gains made and Lessons learnt ?
Replies: 76
Views: 7724

Re: So, how was the year ? Gains made and Lessons learnt ?

Here's an analysis of spending for 2017. The table below shows the proportion of total spending that each category represents. Income taxes, medicare taxes, etc. and investments are excluded from this. My logic is that income taxes and investing are non-negotiable expenses while employed. Below are ...
by Colorado13
Sat Dec 30, 2017 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm - Letter Received today
Replies: 15
Views: 4497

Re: State Farm - Letter Received today

I received one of these letters a couple of weeks ago. My new policy arrived and the biggest change that I noticed is that the deductible has increased from $1,000 to $1,187. FYI, I live in/near areas that have been devastated by hail in recent years.
by Colorado13
Fri Dec 29, 2017 5:56 pm
Forum: Personal Consumer Issues
Topic: Hyundai quality and reliability
Replies: 41
Views: 4014

Re: Hyundai quality and reliability

I drive a 2005 Santa Fe GLS AWD and my father owns a 2014 Santa Fe. I would recommend either vehicle without hesitation. Mine does not have a zippy engine, otherwise I have no complaints. I've test driven newer (2016 and 2017) models such as CX-5, Rav4, Crosstrek, Tucson, and Rogue and haven't purch...
by Colorado13
Sat Dec 16, 2017 6:11 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on food per month, per person?
Replies: 151
Views: 10432

Re: How much do you spend on food per month, per person?

I bought groceries today and spent $52, with savings of $24 by purchasing sale items and using coupons. It averages to ~$150 per month. I spend more in the summer (due to supporting the farmer's market) and spend less in winter (due to having more time to cook and less focus on purchasing convenienc...
by Colorado13
Sat Dec 16, 2017 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Are you prepaying real-estate taxes this year?
Replies: 16
Views: 2437

Re: Are you prepaying real-estate taxes this year?

Yes. Every other year I bundle my real estate tax payments because I no longer have enough deductions to itemize every year.
by Colorado13
Sun Dec 03, 2017 4:26 pm
Forum: Personal Consumer Issues
Topic: Target Gift Cards are 10% Off Today (Sunday 12/3/17)
Replies: 17
Views: 2215

Target Gift Cards are 10% Off Today (Sunday 12/3/17)

I have not seen this posted yet.... Today is the day: Target gift cards are 10% off today.
by Colorado13
Mon Nov 20, 2017 7:49 pm
Forum: Personal Consumer Issues
Topic: Drive it till it dies. It died.
Replies: 54
Views: 6869

Re: Drive it till it dies. It died.

soupcxan wrote:
Mon Nov 20, 2017 11:51 am
Why on earth would you buy another Murano given this lack of reliability?
That's exactly my reaction too!
by Colorado13
Sun Nov 19, 2017 8:32 pm
Forum: Personal Consumer Issues
Topic: Are expensive tires worth it?
Replies: 42
Views: 3172

Re: Are expensive tires worth it?

I have been called frugal many times, and cheap a few. But I would never ever skimp on tires. It doesn't matter how great of a car you have, how much power, what brand, what the handling performance or stopping distance are, etc. -- if the tires are crap, they are the only thing actually touching t...
by Colorado13
Fri Oct 27, 2017 9:47 pm
Forum: Personal Consumer Issues
Topic: What is going on with the home insurance rates?
Replies: 53
Views: 6328

Re: What is going on with the home insurance rates?

Think about the recent weather: hurricanes, floods, fires, hail, etc. Insurance companies have to price for these events, which are becoming more frequent and more severe. Many (maybe all?) of us will bear the cost of these events by paying higher premiums. In Colorado, the answer is simple: 1. Lot...
by Colorado13
Wed Oct 25, 2017 8:27 pm
Forum: Personal Consumer Issues
Topic: What is going on with the home insurance rates?
Replies: 53
Views: 6328

Re: What is going on with the home insurance rates?

Think about the recent weather: hurricanes, floods, fires, hail, etc. Insurance companies have to price for these events, which are becoming more frequent and more severe. Many (maybe all?) of us will bear the cost of these events by paying higher premiums. In Colorado, the answer is simple: 1. Lots...
by Colorado13
Fri Oct 20, 2017 7:55 pm
Forum: Personal Consumer Issues
Topic: Wife New Car Recommendations - SUV
Replies: 59
Views: 7027

Re: Wife New Car Recommendations - SUV

Another vote for the cx 5. Had it a month and she loves it. Zoom zoom! Very quiet unless under hard acceleration. How interesting... During one of my test drives of the CX-5, the salesperson said he had received a few complaints that it was loud. I thought it was very quiet (so I'm happy to read th...
by Colorado13
Fri Oct 20, 2017 7:48 pm
Forum: Personal Consumer Issues
Topic: Wife New Car Recommendations - SUV
Replies: 59
Views: 7027

Re: Wife New Car Recommendations - SUV

My wife loves her Nissan Rogue. Take one for a test drive. I test drove the Rogue and was very underwhelmed by it, so crossed it off my list of contenders. Maybe I should have driven a different trim level though. The CX-5 was a lot more fun to drive and is much more stylish, but that's just my two...
by Colorado13
Thu Oct 19, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: Wife New Car Recommendations - SUV
Replies: 59
Views: 7027

Re: Wife New Car Recommendations - SUV

I test drove the CX-5 and the Tuscon, but won't even consider the Jeep because Consumer Reports gives the Jeep very low ratings. I agree with other posters that you won't get any of these vehicles new for $20K. The handling and look of the CX-5 are very appealing to me, but the seats are firmer than...
by Colorado13
Sun Jul 30, 2017 7:48 pm
Forum: Personal Consumer Issues
Topic: Colorado Vehicle Registration fees
Replies: 20
Views: 2926

Re: Colorado Vehicle Registration fees

Welcome to CO! Yes, car registration is expensive (relatively.) Car insurance is also pricey because we've had annual hail storms in the Denver metro area for the past few years. I paid $25 for my vehicle emissions test last week, which is required every 2-3 years (I don't recall exactly, but it's n...
by Colorado13
Fri Jul 28, 2017 5:27 pm
Forum: Personal Consumer Issues
Topic: TSA Pre-check for free
Replies: 75
Views: 7465

Re: TSA Pre-check for free

I've flown three times since May and have had it for free on one of the three trips.
by Colorado13
Wed Jun 28, 2017 8:28 am
Forum: Personal Finance (Not Investing)
Topic: American Family Insurance
Replies: 3
Views: 616

Re: American Family Insurance

AmFam is very customer oriented. Their service is rated highly, although they do not always offer the cheapest rates. In a recent CO hail storm they brought in teams of people from out of state to help settle claims very quickly. They opened drive up locations for clients with auto claims; these wer...
by Colorado13
Sat Jun 24, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: Please help me pick a new car
Replies: 81
Views: 9779

Re: Bogleheads: Please help me pick a new car

I have no car advice, but loved your OP and the references to Wilma, Dinoburgers, dinosaurs, etc. I'm easily entertained - thank you!
by Colorado13
Tue May 16, 2017 7:19 pm
Forum: Personal Consumer Issues
Topic: Help convince me it's okay (or not): new vehicle
Replies: 30
Views: 3409

Re: Help convince me it's okay (or not): new vehicle

The OP didn't say he doesn't like the ride and handling of his current SUV/crossover/raised station wagon; he said it is under-powered. Not sure how much more HP a new version has compared to his current one, but most vehicles get more HP every year. "2. The ride is not great compared to newer vehi...
by Colorado13
Tue May 16, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: Help convince me it's okay (or not): new vehicle
Replies: 30
Views: 3409

Re: Help convince me it's okay (or not): new vehicle

OP If you are still on the fence, I just dropped 37k yesterday on a new Honda Pilot, to replace a 9 year old Honda Pilot that needed a new engine top end. So now you can buy your car and gloat that you spent a lot less than that other idiot (me) on Bogleheads :sharebeer Well, I appreciate you tryin...